01 - Heat olive oil in a large skillet over medium heat. Add onion and cook until softened, about 3 minutes. Stir in garlic and cook for 30 seconds.
02 - Add ground beef to the skillet. Cook, breaking it up with a spoon, until browned, about 5 to 7 minutes. Drain excess fat if necessary.
03 - Stir in cumin, chili powder, smoked paprika, salt, and black pepper. Cook for an additional 2 minutes, then remove from heat.
04 - In a small saucepan over medium heat, combine black beans, water, cumin, chili powder, and salt. Mash beans lightly with a fork and simmer until thickened, about 5 minutes.
05 - Combine diced tomatoes, red onion, jalapeño, cilantro, lime juice, salt, and pepper in a bowl. Mix thoroughly.
06 - Heat tortillas in a dry skillet or microwave until pliable.
07 - Spread one-quarter of the beans onto the center of each tortilla. Top with one-quarter of the beef mixture, shredded cheddar, lettuce, diced tomato, salsa, and a dollop of sour cream.
08 - Fold in the sides of each tortilla and roll tightly. Serve immediately with additional salsa and sour cream as desired.